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Life expectancy calculator

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When you take life a life expectancy calculator online when it asks questions like "Have both of your parents lived past age 75?" "Did all four of your grandparents make it to age 80".

The thing is, both of my parents are still in their 40's and all four of my grandparents are in their 60's and 70's, so how do I answer that question? And how accurate is a life expectancy calculator when you are only 20?